the groundswell of creativity and technological change will lead to dramatic reductions of higher education so long as government policy does not stand in the way. we should make sure our federal aid programs do not discriminate against online course credit and help give parents and students march oysters. ideally, we need to reform our federal loan programs. college affordability is an issue that is important. it is the only reason i was able to go to college. the only reason is because of federal grants and loans. when i graduate from law school , i had close to $150,000 in student debt. that is a debt i paid off last year. i was able to help pay it off with my book that is now out on amazon. [applause] >> explore the paul broun system should the four students take out a loan, let's make sure parents and students understand how long it will take them to complete the education, the likelihood of completion, how much did they can expect to make after graduation, and tom on their -- and how much of their monthly -- let's explore the pilgrim -- belgrade system that students can take a alone,